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3232Low-rise construction in the United Stateshttp://scaff-spb.ru/2019/02/24/low-rise-construction-in-the-united-states/
http://scaff-spb.ru/2019/02/24/low-rise-construction-in-the-united-states/#respondSun, 24 Feb 2019 16:01:02 +0000http://scaff-spb.ru/?p=65The US construction industry is the foundation of a sustainable economy, a place of employment for several million people, and one of the main tools for preserving and increasing the money supply of the population and preventing sharp collapses in the financial market in the real economy.
Line of silhouettes illustration of construction site with cranes and skyscraper with tractors, bulldozers, excavators and grader in blue tone.

More than 17 million new houses and apartments are being built in the USA every year, more than half of which are low-rise houses for one or two families. Apartmentbuildings of two to five floors are very popular .

C troyatsya as large complexes and single homes.

The average construction period is from one to two years.

Legislative framework of construction.

In the US, there is no uniform system of standards for civil engineering.

(There are no national SNIPs and ENIRs)

Almost all cities or territorial entities have their own rules and laws for construction ( Construction COD ). But the basic rules and regulations are well established in practice. The norm is the minimum ceiling height of 8 feet, which corresponds to 2.40 meters. Often a height of 9 feet (2.7 meters) is used. Minimum room sizes are based on local regulations, but less than 8 x 8 feet (2.2 x 2.4 meters) you will not meet rooms. In apartment buildings you will often find a kitchen without a window. The norms for installing plumbing and electrical systems for houses vary greatly. For example, all electrical wiring in Illinois is carried out only in metal pipes, and unprotected electrical wires are allowed to be installed in the neighboring state of Wisconsin.

The accepted standard is the use of copper water pipes. The standard is also the absence of special fire protection of the wooden structural elements of buildings, including the bearing elements. Most building standards throughout America are very similar and have developed as a result of years of practice and fierce competition from builders, manufacturers of building materials, developers, and also largely take into account local climatic specifics, the national characteristics of most of the locals. For example, in the state of Miami is forbidden to build cellars (frequent hurricanes and storms flooded them), some cities and even states are prohibited from using plastic windows ( the PWC the Windows ), installing siding ( Siding ), put the wooden fireplaces ( Woodburn Fireplace ), install a centralized sewer system or plumbing. In many cities, the maximum height of buildings, the width of roads, sidewalks, the built-in garages capacity, the ratio of the stain area of ​​a house to the total area of ​​a plot, the distance between buildings, power consumption, the distance from the house to the public roadway, etc. are legally fixed. Many cities prohibit the installation of fences, outdoor lighting, use plumbing for watering lawns. Many cities severely limit the maximum size of the area of ​​houses used construction (especially exterior) materials. The requirements for thermal insulation of buildings have become quite tough in recent years.

For many immigrants from the CIS countries, it is a pleasant fact that there is no need to have a special building education in order to be a general contractor for construction. Practically and virtually anyone can call himself a general contractor ( general of contractor ).

It is only necessary to understand that the one who takes responsibility for the construction assumes responsibility for both the bank and the customer and the law.

All homes are insured.

Control over the construction is carried out by the construction department of the local municipality. In their face is carried out state arhstroynadzor. The control begins with the coordination of the project documentation (takes from 2 to 12 months), the issue of the plot plan (in Russian it is “copying”). During construction, the inspector will come to you no more than 4-5 times, only for accepting hidden works and upon completion of construction. The most important controller of construction is the representative of the bank – the lender. If the controller finds errors that are critical to home security, he can (and does) stop construction with a written order to correct the violations.

Without exception, construction projects carried out at the expense of the local budget are made only by the winners of an open tender (tender) for the contract.

For many types of construction work, a local government building license must be obtained (architecture, plumbing, electrical, ventilation, roofing, mechanization, landscaping, concrete work, external utility networks, roads, removal and disposal of construction waste, etc.)

Most cities have long-term development plans and clear zoning for low-rise, multi-storey buildings, industrial and recreational zones, waste disposal zones, trade zones, public parking lots and transport, etc. Planning is based on long-term economic development forecasts and financing opportunities. All plans are superb financially and technologically secured. Many cities attract foreign architectural planning companies or companies from other cities and states to develop urban planning plans.

Material – technological support of construction.

The main constructive building material for low-rise construction are boards ( studs ) of softwood, transverse dimensions 2 x 4 or 2 x 6 inches (50 x 100 or 50 x 150 mm.). This was the result of many years of competition among manufacturers, the practice of the first settlers and meets the requirements of the market. As a building material, the tree showed its

superiority – durability (in the United States is a huge number of wooden buildings that are over 100 years old), convenience and ease of use, a variety of architectural uses, and huge reserves in both the USA and Canada.

All wooden building materials (boards, plywood, floor beams, rafters, trusses) are standardized in various standards by several manufacturers associations. As a rule, these standards are certified at the state level. After obtaining certificates, these standards become actual standards for manufacturers and builders. In the market of building materials there are mainly companies from the USA and Canada. A lot of companies in Europe and China lead in individual segments (electrics, plumbing, pipes, ceramics, carpeting, roofing, tools).

Manufacturing and supplying materials are done for from thousands of companies from the largest ( Home Depot , Menard , Lowes ) to the smallest family businesses. And each of them finds its consumer.

In large companies up to 50 thousand items of building materials are presented simultaneously. They themselves provide builders with loans for the purchase of materials, deliver materials to the designated construction site at a designated time. Many stores have recently worked around the clock. As a rule, these stores offer for rent a large assortment of construction equipment (scaffolding, small mechanization, mills, drills, pumps, cars). Many stores are engaged in picking your construction “turnkey”. Due to fierce competition, prices for basic building materials throughout America are almost the same.

You can buy a finished house in the kit, which will be delivered to you at the construction site. For example a complete set of materials at home (see the picture on the left) with an area of ​​180 sq. M. costs about $ 60 thousand.

To attract customers, there are discount systems (seasonal, for regular customers, fair sales, the exchange of some materials for others, discounts for large purchases, discounts for purchases over the Internet, discounts for using store credits, etc.). Anyone can subscribe to electronic news from companies and get new items faster than they appear in the store. In addition, there is a huge amount of ready-made house projects for every taste. The cost of finished projects does not exceed $ 1 thousand. A developed trading system, free competition, open information, a good legal base and ease of obtaining loans make the construction of houses of any type accessible to the majority.

Frames for building. The organization of the construction business.

As mentioned above, anyone can “lead” a construction site. With the exception of a small number of licensed types of construction activities, anyone can start their own construction business. In comparison with the USSR, nobody specifically trains workers for construction. All undergo primary training right on the line. Mid-level specialists (managers, supervisors) are trained in specialized courses of various colleges and institutes. In America, there is currently a huge shortage of civil engineers, or workers to work on complex projects (metal structures, complex concrete work, crane operators, industrial electricians, machine operators).

Very, very many start their construction business without forming a legal entity. This allows you to reduce the primary costs of running and organizing a business. Using their knowledge and experience, many people from the CIS countries are very successfully introduced into the construction market of America. After a very short time with good faith and successful work, they can afford to buy with the money they earned all the necessary tools and very popular here, very practical Cargo Van or Pickup cars . Practically the builder accommodates his entire office and inventory in his car. For most builders, daily crossings of 100-200 km. are the norm.

Many builders work 6 days a week from 7 am to 5 pm.

To create your own company does not take much time – fill out the form on the Internet and went to the office of the Secretary of State with a check (in particular, in Illinois, it costs about $ 250)

In just 10-15 days, you will receive official documents on the registration of your company. Many companies are represented by only one, maximum 3 workers. Many work simultaneously for themselves and for someone in the contract. In Illinois, as a rule, Mexicans do dry plastering and landscaping, Ukrainians and Romanians have been very successful in working with wood (carcassing, wooden floors), Poles and Russians are engaged in general construction ( General contractors ), Lithuanians are engaged in brick work – This division is conditional, but in practice it is.

Immigrants from the CIS countries today lead very successful construction companies, build large housing complexes both in the center of Chicago and in the suburbs, in recent years they have been actively introduced into the American market of building materials and development.

Only in Chicago today more than 5,000 Russian-speaking builders work, and the turnover of their construction companies in 2005 approached $ 1 Billion!

]]>http://scaff-spb.ru/2019/02/24/low-rise-construction-in-the-united-states/feed/0Company Registration in the USAhttp://scaff-spb.ru/2019/02/24/company-registration-in-the-usa/
http://scaff-spb.ru/2019/02/24/company-registration-in-the-usa/#respondSun, 24 Feb 2019 15:55:20 +0000http://scaff-spb.ru/?p=62 USA – a country that is considered ideal for running your own business. After all, this is where one of the most famous successful businessmen of the world comes from. Our company provides comprehensive assistance with the registration of businesses in the United States for foreign businessmen.

Company registration in the USA is a necessary stage for every businessman who wants to enter the American business arena. Company registration can also be useful for residents and non-residents in tax planning, investment or inheritance. As in other countries, this process hides many difficulties and pitfalls. Each state has its own taxation rules, fees, and laws for registering a business. Some states, such as Delaware or Nevada, are considered more favorable for business registration, because they have more favorable conditions for investors or rules that preserve the confidentiality of the founders. Registering your own business in the United States requires special attention and level of knowledge, which is why we recommend cooperating with a professional specialist,

Stages of company registration in the USA

The first step in preparing to register your own company in the United States is to determine the purpose for which you open it. It may be:

Depending on the purpose, the type of property and the scope in which it will operate is selected.

The next stage is the choice of the state in which your company will be registered. You must familiarize yourself with all the rules and differences of registration of a company in each state. Sometimes it becomes more convenient to choose the state in which the businessman lives, and sometimes it is better to register a company in a state with more favorable conditions. In studying the issue should pay attention to the following aspects:

1. Registration fee.

The amount of one-time fee required to pay when registering a company varies from state to state. For example, the lowest fare is charged in Arkansas, Colorado, Hawaii, Iowa, Oklahoma and Mississippi – $ 50. In Texas, the registration fee is already $ 310.

2. Annual taxes and reports.

Most states charge an annual fee to the owner of the company throughout its existence. Usually, along with this annual tax must submit a report. The size of the annual fee can range from $ 9 (New York) to $ 325 (Nevada). At the same time there are states that do not require an annual report – this is Ohio and Alabama.

3. Franchise tax.

In some states, there is an additional tax that is paid upon registration of a company that is open for franchise. The method of calculating this tax usually depends on the income of the company. For example, in California the minimum tax is $ 800 and is paid, even if the company has no profit. But in Nevada and Wyoming there is no franchise tax at all.

4. The judicial system.

In Delaware and some other states, there is a special court for resolving business disputes, in which the judge passes the verdict, not the jury. This is one of the reasons why Delaware is considered a favorable state for business registration in the United States.

5. Investors.

Many investors prefer to invest in a business established in their state or in a state with clear rules and precedents on legal issues important for banks and investment companies. For example, venture funds prefer to work with firms registered in Delaware. Many customers believe that the Delaware is an ideal option for themselves, however, depending on the goals of the project, conditions in another state may be most beneficial.

6. State income tax.

In the US, there are states that do not levy corporate income tax at all – Nevada, Ohio, South Dakota, Texas, Washington and Wyoming. However, Ohio, Texas and Washington levy a different type of tax on corporations, which is calculated from the total turnover of the firm. In this case, if you register a company in Nevada to avoid income tax, and your company itself will work in California – you will not be able to avoid California taxes. Taxes will be levied on each state in which the firm is located and operates.

7. Disclosure and confidentiality.

The United States is one of the most trusted countries to hide confidential information. For example, previously, states such as Nevada and Delaware concealed all information about company owners under the privacy law. However, now they have set the course for softening the rules and hiding confidential information has become much more difficult. At the same time, we must not forget that, by registering a company in the state as a foreign legal entity, you will have to provide the state with all the information about its owners.

In the long run, it often turns out that the states that look the cheapest for registering a company turn out to be less profitable over the years in business. After a thorough analysis of the information and the choice of staff for registering a business, it is necessary to proceed to the process of preparing the necessary set of documents:

The address of the legal registration of the company.

The passport of the founder of the company, if it is an individual. If the founders are legal entities, it is necessary to provide the constituent documents of the company and the decision to establish a company in the USA (translated into English and notarized)

Applying for company registration with state secretary.

Submission to the state secretary of the list of the Board of Directors and the Charter.

Select a registered agent.

Our company provides comprehensive assistance in registering a company in the United States. AmLaw Group specialists provide advice on the differences in business registration in each state, helping to determine the staff in accordance with the client’s purpose, and also helps to register a legal address, create the necessary set of documents, issue a tax number, open a corporate bank account and provide tax optimization services. Our registration agents are highly qualified in the field of business planning and have extensive experience working with corporate laws of the United States of America.

]]>http://scaff-spb.ru/2019/02/24/company-registration-in-the-usa/feed/08 important facts about life insurance in the United States that everyone should knowhttp://scaff-spb.ru/2019/02/24/8-important-facts-about-life-insurance-in-the-united-states-that-everyone-should-know/
http://scaff-spb.ru/2019/02/24/8-important-facts-about-life-insurance-in-the-united-states-that-everyone-should-know/#respondSun, 24 Feb 2019 15:47:00 +0000http://scaff-spb.ru/?p=59

About why it is so important to insure your life, how to do it with maximum benefit for yourself and why you should not rely on insurance from your employer, vice president of the financial company Primerica (Florida).

Life insurance is love for your loved ones

People do not always understand why you need to insure your life. Especially those who came from the former Soviet Union. We have a lot of superstitions associated with death, talking about it. We are so superstitious that we are afraid, if suddenly we are ready, then we will jinx ourselves and immediately die. But thinking about life insurance is no more superstitious than thinking about a fire extinguisher. You do not think that if you have a fire extinguisher in your house, a fire will surely start. It simply means that if there is a fire, then you are prepared, you always have a chance to save yourself. The same with life insurance. If you have it, it does not mean that you will die. It simply means that if something really happens to you, your family is provided and prepared for this tragedy.To get life insurance in the United States, it is enough to have a legal status. The company does not ask for residency or citizenship, but you must legally reside in the United States and have a Social Security number.

Insurance is needed more young than older

What is life insurance? Most people think it is necessary for older people who are likely to die soon. Perhaps, insurance will be required in old age for a funeral, for the last expenses for a cemetery, for a wake. In fact, it is at this age that life insurance is not important. Because when a person dies in his old age, no one depends financially on him. And all that he has saved up for his life remains for his relatives, who can use these savings for funerals. But even if the elderly relative has nothing, the family, of course, will strain, pay for farewell, but for her all this will not be so critical.

It is much more important when someone depends on us financially. This usually happens while we are still young, healthy and working. We bring in the family income. Most often, life insurance is important for parents. If dad goes to work and mom is at home, then if the family breadwinner suddenly does not come home from work, mom will have nothing more to feed the family, pay bills, and so on. What should she do if the deceased father did not have insurance?

Therefore, life insurance is very important for replacing the income of the person who brings it into the house.

If you have two or three children who are 3-5 years old, then even if something happens unexpectedly to one of the parents, the children need to be kept for another 15-20 years. That is the same income that dad brought, must come to the house for another 15-20 years.

I often give an example to make people understand. Husband and wife or one of them generate income. For example, one of them, suppose father, was transferred to work from Florida to Texas. He went to Texas, and the family stayed in Florida. Does he send money to the family every month? Of course yes. His income goes to the family. And what if dad was transferred to heaven? The expenses of his family remained the same. If you have a family, it is your duty to provide for your family and friends after a sudden departure.

Non-working people also need life insurance.

My girlfriend died of an aneurysm suddenly. She left a loving husband and little son. Now her husband should be both a mom and dad to his son, but instead he has to work, go on business trips and find other people to carry his son to and from school. The cost of the sudden death, hospital, funeral is also huge. If my girlfriend had insurance, he would have the opportunity to replace his income for at least a few months, if not years, to take care of his son, mourn, hire the right people, and so on.

It is very important to have insurance even for a non-working person. Maybe not so big, for 200-250 thousand dollars. This is often very inexpensive, but will help to cope with such needs as paying bills. For example, for a non-working 35-year-old mother, a policy for 30 years for 250 thousand dollars costs from 20 to 35 dollars a month. This is not much, but what peace is in the family.

The less we pay for insurance, the better

Insurance companies in the United States assign ratings AMBest. It is advisable to work with companies that have a rating of A +. This is the highest rating. And he often does not affect the cost of insurance.

In the insurance industry there is a very big conflict of interest. The more the client pays for his insurance, the more the agent earns. There are so many policies created in such a way that they are profitable for the insurance company, but not for the client. Agents are encouraged to sell these policies to their customers. The client, because of some unnecessary options, instead of paying $ 50 for the same amount of insurance coverage, pays 300. And it turns out that even when the agent sells a policy that is not very beneficial for the client, he does not think that does some unethical business. Because the company trains its customers quite well. But we need to look at things realistically. The less we pay for insurance, the better. Because, most likely, we hope that for many years we will not need it and we will live happily ever after.

We need insurance for a certain time – until the children have grown up, while there is no savings.

Choose long-term insurance

In America, there are two main types of policies. The first covers long-term insurance for 10, 20, 30 years. If someone has children who are now 4-5 years old, after 30 years, they, respectively, will have 35. It is quite likely that by this time the children will have figured out how to support themselves financially.

If we are already 55-70 years old, the need for insurance has already passed. At this age, we no longer need insurance, but money for old age, savings. If we have been buying cheap insurance for 30 years and, at the same time, we are actively investing money in parallel, then when the insurance period ends, we have the very savings that the policy provided – about half a million dollars. And if we have these savings, insurance is no longer so important. Therefore, the cheapest way to get life insurance is temporary insurance.

I recommend insuring for the longest period in order to insure until old age, and at the same time invest funds for the future.

For smokers insurance is more expensive

For a family – a wife and a husband, who are 35 years old, a policy of 500 thousand dollars for 30 years will cost from 50 to 80 dollars a month depending on the state of health. Usually those who wish to receive a policy must undergo a medical examination, which is paid by the insurance company, they are awarded a rating, which determines the tariff. There is a standard rating, which the majority receives, sometimes a rating of smokers, it is usually 2-3 times more expensive than the standard one. And sometimes, depending on the insurance company, customers are awarded a rating, which gives a discount for good shape and excellent health.

In general, the cost of insurance depends on the amount, on the period for which the person is insured.

Avoid accumulative insurance policies.

The second type of insurance in the USA is different types of savings policies. They are much more expensive. In fact, the insurance industry has figured out how to make a boring and frightening product attractive. This is a savings policy. The company offers to keep her money, which after your death will pay your family.These policies are much more expensive than temporary insurance. For the same money for which a person could buy, say, 500 thousand dollars of long-term insurance, a savings policy will offer him 100 or 50 thousand, or even less. With this money, the family will not be able to hold out for 10-15 years, only she will have enough of her funeral.

The second drawback of such an offer is the savings within the policy. They pass into the possession of the insurance company, which is never explained to the client. This is called a savings account inside any insurance policy. Insurers always say: you can have access to your money, but they do not say – this money will be yours. But the bottom line is having access to your money means that you can borrow it at interest. In other words, you can take your money from the insurance, but then return it with interest. Therefore, keep your money and savings away from insurance companies, contact them only for insurance.

It is because of this type of insurance that many people get confused, think that insurance is expensive and they cannot afford it.

Cumulative policies such as Universal Life, Index Universal Life, Variable Universal life, Flexible Universal Life and others are three to four times more expensive than long-term policies, and such as Whole Life are sometimes 10-12 times more expensive.

Do not count on insurance from the employer

First, such insurance is often minimal in size. It starts from 10 thousand dollars, if it is a small company, and if the company is larger, then insurance covers the amount of annual income once. That is, if you get 70 thousand dollars a year, then the insurance payment will be exactly this amount. Once. But this money is not enough to replace the family income by more than one year.

Secondly, if you are counting on employer insurance, ask him for a certificate and read the terms of coverage. Most often, in order to get through an employer, you must die while actively working. This concept includes paid vacation and the time you spend on the way to work from home and back. But if we become ill with a serious illness, such as cancer, and begin treatment, we are no longer actively at work. In this case, we are reduced, because the employer needs to hire another employee for your place. In large companies, they can give you a disability, but even in this case you are no longer considered an active worker, therefore your life insurance is canceled. A personal insurance is no longer obtain, because for it you need to be healthy.

Therefore, consider life insurance from the employer as the base, and the main coverage should be through an individual policy, regardless of where you work or whether you work at all. In addition, insurance through the employer usually increases in value each year, rather than fixed for the long term.

“For wealthy foreigners, there are often significant advantages to purchasing life insurance policies in American insurance companies,” explains Frank Seneco, president of the boutique company Seneco & Associates, which specializes in developing complex financial plans for wealthy clients. “Such people can often easily get better terms and guarantees embedded in an insurance contract because the statistical life expectancy in the US is higher and this often leads to better prices; and customers get access to better products that are characteristic of the insurance market life in the US. “

These special life insurance policies are designed exclusively for international clients who have large tangible assets and meet two of the following criteria:

Criterion # 1: Customers do not have connections with the United States, such as, for example, owning American real estate. Criterion # 2: These clients have a need or desire to purchase a large amount of life insurance policy, and such insurance cannot be bought in their country of residence.

There are two additional benefits of such an insurance policy that are attractive to many wealthy foreign citizens. In particular: – These life insurance policies are denominated in US dollars. Plus, when insurance policy payments are made, these payments have significant tax benefits and are exempt from US income tax. – When there are concerns about privacy.

According to Anthony J. Carone, Managing Director of the specialized law firm Carone & Associates, “These special life insurance policies do not apply if a wealthy person is a US citizen or a green card lawful US resident. They are also inappropriate if wealthy foreigners have investment or other financial ties with the United States, for example, own real estate in the United States, or they are related to the American trusts (trusts), bank accounts, or are equity participants in private enterprises, upre dennymi on the territory of the United States. “

Below are a few examples of how rich foreigners use life insurance policies purchased in the United States.

Scenario # 1: A 35-year-old South American individual wants to hedge against $ 25 million to protect the income stream his family receives. He wants to pay all his life insurance contributions as quickly as possible, while at the same time he needs permanent insurance, which remains in effect as long as he is alive. It would also be useful for him if he could have access to the cumulative part (cash value) of an insurance policy in US dollars during his lifetime.

In this case, we have structured the life insurance policy in such a way that all insurance premiums are fully paid in just five years, while at the same time the cumulative part (cash value) of the insurance policy has the potential to grow into a significant amount. Everything is nominated in US dollars, and the transaction itself is both transparently straightforward and confidential.

Scenario # 2: A 55-year-old citizen of a Middle Eastern country has a bank account of $ 5 million, intended after his death for his grandchildren. He wants to ensure that the grandchildren receive the money without any complications.

A good decision was the American life insurance policy with a nominal value of $ 40 million. Pros: grandchildren will receive a much larger amount of inheritance; and, if necessary, the client may have access to money in life, in the form of a loan from the cash value of this insurance.

Scenario # 3: A 30-year-old European business owner must provide a guarantee for a large-scale business loan. She would not want to burden the assets of her own company.

The problem was solved by a life insurance policy purchased in the United States in the amount of $ 20 million, which will be used as a deposit in case of her death. In addition, this transaction is structured in such a way that, provided the insurance is valid for fifteen years, the client can start receiving back the value of all insurance premiums made and also have a fully paid permanent insurance policy, guaranteed to the end of life.

“In order to get the most benefit from these special types of life insurance policies , some degree of ingenuity is required. When this type of policy is integrated into the design of existing financial plans, there are much greater possibilities for tax mitigation,” says Seneko.

For questions, please contact the Head Office of American Corporate Services, Inc.

]]>http://scaff-spb.ru/2019/02/24/how-do-wealthy-foreigners-use-special-life-insurance-policies/feed/0Information about the prices of houses, apartments, in Ohio.http://scaff-spb.ru/2019/02/24/information-about-the-prices-of-houses-apartments-in-ohio/
http://scaff-spb.ru/2019/02/24/information-about-the-prices-of-houses-apartments-in-ohio/#respondSun, 24 Feb 2019 12:28:14 +0000http://scaff-spb.ru/?p=52Analyzing the real estate market in Ohio we have these prices for 2019.

Penthouse with fireplace, glass walls and panoramic windows with the best view of the river Schioto, Columbus, Ohio, USA

858 000 $3 530 $ / m²

Total area 243 m² 2 bedrooms 3 bathrooms

Built in 1987

19th floor

Balcony or terrace

Pool

Parking

We offer you a spacious apartment in a modern condominium with a pool, sauna and gym.

Inner space

Equipment

Apartment amenities include granite worktops and built-in stainless steel appliances in the kitchen, glass walls, ceramic tiles, built-in wardrobes and a fireplace in the living room, jacuzzi, shower, double sinks and travertine marble in the main bathroom.

We offer you premium apartments with panoramic windows in a condominium with underground parking, a gym and a spacious guest lobby overlooking the city center.

Inner space

The penthouse consists of 3 bedrooms, 5 bathrooms, a kitchen with an island and a dining area, a spacious living room, a study, a separate room equipped with a gym and a laundry room.

Equipment

The equipment of the apartments will include equipment and finishes of premium materials, built-in wardrobe in the main bedroom, built-in appliances in the kitchen, panoramic windows and carpeted flooring. There is a private terrace.

We offer to your attention spacious apartments with panoramic windows and a library in a modern condominium.

Inner space

The apartments consist of 3 bedrooms, 5 bathrooms, one of which has a jacuzzi, a spacious living room, a kitchen, a dining room, a library with built-in bookshelves, and a loft on the second floor.

Equipment

The equipment of the apartments includes kitchen furniture, a refrigerator, a dishwasher and a microwave, panoramic windows and a fireplace in the living room, a staircase leading to the 2nd floor, air conditioning, gas heating and alarm system.

Benefits

On the territory of the residential complex are located:

parking

pool

gym

sauna

roof terrace

Two-floor apartment with a billiard room and a view of the city center, Columbus, Ohio, USA

$ 565,0003 104 $ / m²

Total area 182 m² 2 bedrooms 3 bathrooms

Built in 2004

Balcony or terrace

Parking

We offer to your attention apartments in a modern condominium with a new interior and underground parking.

Inner space

Internally, the space consists of 2 bedrooms, 3 bathrooms, a spacious kitchen, which leads to the dining room and living room, laundry room and game room on the 2nd floor.

Equipment

The equipment includes wooden flooring, updated windows, built-in wardrobes in bedrooms, and built-in stainless steel appliances in the kitchen.

Prestigious residential complex includes a swimming pool with a seating area, restaurant and bar, parking, spa, fitness center, conference room. Security and concierge service works 24 hours a day. The apartment is fully furnished. The windows offer stunning views of the pool and the ocean.

Inner space

Equipment

panoramic windows

flooring – tile and carpet

built-in kitchen

safe

Infrastructure

Near the complex there is a bus stop, cafes and restaurants, shops, hotels. In just 10 minutes you can walk to a large park. The road to the center of Miami takes 40-50 minutes, to the airport – 10 minutes.

Location and facilities nearby

The residential complex is located in the Central Beach area, on the ocean.

Fort Lauderdale is a resort town located between Miami and West Palm Beach.

]]>http://scaff-spb.ru/2019/02/24/information-about-the-prices-of-houses-apartments-in-ohio/feed/0Life without insurance.http://scaff-spb.ru/2019/02/23/life-without-insurance/
http://scaff-spb.ru/2019/02/23/life-without-insurance/#respondSat, 23 Feb 2019 19:48:02 +0000http://scaff-spb.ru/?p=48 One of the biggest myths created by the US government and representatives of the health care system is that it is impossible to live without health insurance in the United States. In recent years, this myth has been popularized in every way by the democratic party and the Obama administration, who are trying to impose expensive and ineffective insurance plans in the framework of medical reform (in common people – Obamaker).

Liberals are doing everything possible to put the middle class in their heads (the poor get insurance for free, and the rich are able to buy it) a frightening thought: without inspiration, your life will turn into a nightmare and most likely you will die prematurely if you catch a deadly disease. Many readers will disagree with me, but personally I am 99.9% sure that it is difficult but not real to survive without health insurance in the United States. Moreover, every year tens of thousands of uninsured people who received high-quality and, as it turned out, inexpensive treatment, ask: “Why was it even necessary to pay for insurance, if there are lots of ways to improve your health almost for free?” So, first things first.

The first and most important advice that should be given to uninsured people: stop panicking about the lack of insure.

American history knows many examples when people perceived the loss of insurance as the greatest grief, fell into depression, began to suffer from mental illness, ruined their health by self-suggestion, and even committed suicide. Today, 45 million uninsured people live in the States. About 20 million more people have such primitive insures that even for the initial visits to not the best doctors they have to pay extra. In short, every fifth resident cannot claim expensive treatment in case of an emergency. It is a fact.

Tip number two: never, under any circumstances, do not believe in the doom of uninsured people.

One of the main principles of American public health, written in many official documents, is: “No matter who you are, where you live, and whether you have health insurance, you will not be rejected by the national health care system if you ask for help.” If this principle did not work, then human rights organizations would constantly “bombed” the media and social networks with heartbreaking stories about people who died a painful death from dangerous diseases and no one helped them. It is worth noting here that even the scandalous documentary director Michael Moore, who smashed the Bush health care system in the film Sicko (2007), could not find the truly shocking facts. He showed that American medicine is a cynical business, but did not prove that lack of insurance increases suffering and accelerates death.

Tip number three: act and think like insured people.

It is very beneficial for the state that residents without insurance immediately put an end to visits to doctors (emergency call) and solve all health problems with the purchase of Advil and Tylenol tablets in Groseri. Such “medical propaganda slaves” often do not think about their health, but about four-digit treatment bills, who are angry at the lack of insurance for doctors and nurses, immigration problems (many illegal immigrants believe that staying in a hospital without insurance may turn into deportation), etc. In reality, over the past year, the government spent over $ 50 billion on the treatment of uninsured Americans (US Department of Health & Human Services statistics). This astronomical sum indicates that medical care is provided to all without exception. The main thing is to show perseverance and not to classify oneself as “second class” people, as the intimidated uninsured usually do.

Tip number four: cash is the best insurance plan.

Since the majority of the uninsured are representatives of the middle class, it is not at all superfluous to demand from them certain cash savings. Remember that with Obamaker’s adoption, the medical rules changed. If you buy insurance, then most of your money is spent on treating other people (in particular, Medicaid holders). If you deposit cash on a savings account or, figuratively speaking, hide under a pillow, then 100% of the savings belong to you. Money does not disappear anywhere, and their amount is constantly increasing. It is possible that Obamaker’s supporters will criticize me for such a comparison, believing that money savings will be useless if their owner gets cancer or needs complicated heart surgery. “It’s impossible to save up hundreds of thousands of dollars for an ordinary worker on such procedures, but they are able to pay for good insurance,” they will say. People who argue in this way should be reminded that life is unpredictable and constantly thinking about imminent death from a dangerous disease just as stupid as death from a lightning strike or from a traffic accident. Today, many medical institutions offer substantial discounts to patients who pay for treatment in cash rather than insurance. For example, the Los Angeles Times recently described a real case in which a CT scan of the abdomen at an insurance hospital cost $ 2,400 and in cash $ 250 (discount 89%). A similar situation is observed with a blood test in California: under insurance – $ 415, in cash – $ 95 (discount – 77%). With the total introduction of compulsory insurance, this difference will only be more tangible, although now it is more profitable to pay in cash than to buy Obamaker.

Tip number five: visit the clinic more often.

These medical institutions work without an appointment and charge $ 110 per person per visit (on average, in the country). Here you can get quick and quality assistance. Clinics do not take money for a second visit within 24 – 36 hours. Such institutions are much better than emergency rooms, where the average waiting time is about 8 hours. You can find a clinic near your home using the Google search engine. Today, there are more than 9,000 such institutions in the United States.

Tip number six: Hospital social worker – the main source of information.

Hospital Social Worker is a person who knows about all charity and government programs for uninsured people. He has exceptional information, so do not waste your time in negotiations with other employees (especially with telephone secretaries, whose task is to deny all people without insurers). So, most recently, the famous New York Hospital launched a short-term program for the free removal of appendicitis to people without insurers. One of the patients, who turned out to be an illegal immigrant, saved $ 38,000 under this program. Today, almost every American hospital has a certain budget for the treatment of uninsured patients. The sum of this budget, of course, is kept secret, but annually is spent on 100%. Tip number seven: health fairs are free prevention. Health Fairs are very popular events in the United States, during which hospitals and insurance companies advertise their services. People are lured to health fairs through various free procedures – eye tests, blood tests, pressure measurements, mammography, etc. Often, a visit to a health fair can save you a few hundred dollars, so do not ignore these events in any way.

Tip number eight: A doctor named Mexico.

The southern neighbor of the United States has a rather developed health care system, in which special attention is paid to people with cash. Most procedures and surgeries in Mexico are 80% cheaper than in America. And with the introduction of Obamaker this gap widens. As a result, tens of thousands of southerners go to Mexico to be treated by car, and the northerners get to the hospitals by plane. Ultimately, the cost of the flight fully pays for the course of treatment. “For a thousand dollars in Mexico, you can do a complete examination of the body, which in the States will cost at least $ 10,000,” said 43-year-old Texan Roy Schenkley. “We are also struck by the attitude towards clients. We are treated with increased care and respect. Local doctors have no right to be mistaken.” Shankly tells an amazing story. In November 2014, he tried to buy insurance covering the dentist’s services on the Obamaker Exchange. It turned out that a really good plan would cost him $ 2,900 a month, that is, $ 34,800 annually (about a third of the Texan’s salary). He could not draw such a sum and decided to explore the Mexican dental industry. As a result, in December 2014, Shankly went to Tijuana, where in 9 days he solved numerous problems with his teeth. The Hollywood Smile cost Roy $ 3,300. Similar work in America would cost at least $ 50 thousand. “I agree with the statement that medicine in the United States is the best in the world, but I will never pay such exorbitant amounts to local doctors and buy predatory insurance,” says Shankly. – In Mexico, there are a huge number of talented doctors who are eager to demonstrate their professionalism to the Americans. I advise all sensible people to be treated in this wonderful country. ” Today, Americans are actively being treated not only in Mexico, but also in Costa Rica, Panama, Guatemala, Belize and even Belarus. In the latter country, for example, laser vision correction (lasik) costs around $ 600 – almost 10 times less than in the USA. The result of the patients are satisfied.

Tip number nine: Alternative medicine is also a way out.

One of my New York acquaintances for more than 20 years, goes to the Chinese naturopath, who is also a specialist in herbs and a massage therapist. This Chinese man treats him for a variety of diseases – from back pain to infectious diseases. Naturally, no pills or surgeries are applied. Also, my friend regularly flies to the Czech Karlovy Vary and the German Bad Tolz, where there are wonderful resorts. Balneology he puts above all. “When I feel that I need American doctors, I will buy medical insurance, but so far everything suits me,” says a friend. It is worth noting here that the American health care system strongly suppresses alternative medicine and balneology. This is understandable: these methods of treatment are effective and therefore deprive the pharmaceutical industry of billions of dollars in profits.

Tip number ten: take on any financial obligations.

Any uninsured person in need of expensive treatment sooner or later finds himself in the following financial situation: the hospital offers him treatment in installments and requires him to sign a stack of various papers. In such cases, the final amount for the treatment is usually exorbitant. For example, $ 200 thousand for not the most difficult surgery. The most important thing at this stage is to remember that health is priceless. Let the hospital workers add a few more zeros to this amount. The main thing – that they quickly cured a sick person. Unfortunately, for many Americans, the idea of ​​financial debt is much worse than the idea of ​​undermined health. Often they begin to bargain with medical institutions, get nervous, become depressed, delay time and thereby significantly worsen the situation. So, 62-year-old Hugh D. from Wisconsin urgently needed a complicated operation on the liver, but he did not want to pay the debt in the amount of $ 400 thousand and demanded a 15 percent discount. The disputes dragged on and Hugh, who overestimated his strength, died. His death has resulted in an exceptionally ruthless healthcare system. So why should uninsured Americans not be interested in the amount of treatment to be paid for many years? The answer to this question is an interesting statistical fact: the overwhelming majority of recovered middle-class representatives either do not pay the bills at all, or pay less than 20% of the medical debt. However, they do not violate any laws.

The company’s plans include the creation of a data center and complete centers with thousands of new jobs. (Fulfillment centers are created to perform operations from the moment of placing an order to the time of its delivery to the buyer.)

To lure Amazon into building new data centers in central Ohio, USA, it took only $ 81 million in tax breaks, as well as a 100% exemption from sales tax and a 75% credit on income tax over 15 years.

Amazon said it plans to open 1,000 jobs in the region in the future. The data center itself creates 120 total jobs, and the model for the Amazon complete center, as a rule, provides for about 200 positions. In the process of analyzing tax breaks, Amazon indicated that the average annual salary in the data center would be $ 80,000 (according to Ohio authorities). This is significantly higher than the average salary in Amazon complete centers. The company did not say where almost 700 more jobs would come from.

Investments in the amount of $ 1.1 billion are expected within three years as the data center building and fulfillment center are being built. The density of the local population and proximity to the main region of the center of the country served as additional reasons for choosing this particular building site. As usually happens in such cases, state officials praised their tax advantages package and talked about how great a company like Amazon would be to local business — standard mantras, of which none have yet been implemented.

Also in the best traditions of the law of unforeseen consequences, the arrival of Amazon in the region means that Ohio buyers purchasing goods on the Amazon online platform will pay sales tax, and this rule takes effect immediately. Ohio has adopted a progressive sales tax rate, depending on location, which ranges from 5.75% to 8.75%.

Ohio is located in the north of the United States, in the Great Lakes region. Across the state flows the river Kyawhoga, in the valley of which the Ohio National Park is located.

This is a fairly rich and economically developed state, where the bulk of income belongs to industry. The leading role in the industrial life of the state is played by ferrous metallurgy, mechanical engineering, manufacturing, power plants and the nuclear industry.

In Ohio, one of the largest US research centers is based. Most of the development in the field of aeronautics, medicine, agriculture and energy is happening here.

In addition, the state has over five hundred companies associated with the production of cars. World-famous plants such as Ford, General Motors, Honda, DaimlerChrysler and many others work here.

Buying real estate in Ohio today means investing in one of the most economically stable and prosperous American states.

Property in Columbus

The capital and largest city of Ohio is Columbus. Here are the state government and Ohio State University. In general, Columbus seems to be a fairly highly developed city, where due attention is paid to education, economics and technology development. This is a very favorable place to live and invest in real estate in the United States .

Real Estate in Cleveland

Cleveland is a fairly large city in the Midwest, located on the southern coast of Lake Erie. Thanks to the development of the railway, Cleveland has evolved over time into an industrial center and a city of millionaires, including the world famous Rockefellers, Rothschilds and others.

The Kayahoga River divides the city into several western and eastern regions. Cleveland’s central square is called PublicSquare; not far from her rise the three largest local skyscrapers. To the north of the square is a landscaped park. Also the most famous in Cleveland are the neighborhoods of Gateway District – here are located cozy cafes and favorite restaurants of the city.

Property in Cincinnati

Cincinnati is suitable for those who would like to buy a house in the USA in an equipped and economically prosperous city of medium size. The most important industrial sectors of the city are construction, electronics, chemical industry, production of jet engines and other components. About five hundred companies, many of which are known worldwide, are based in Cincinnati. A vivid example is the Procter & Gamble brand, popular in Russia.

The city is located University of Cincinnati. The old quarters of the city are replete with buildings and structures of the XIX century. The city appreciates and preserves the ancient architecture of such areas. Its historical part is listed in the National Register and is protected as the historical heritage of the United States.

Against the background of the historical past in Cincinnati skyscrapers grow. The business life of the city is concentrated in a world-class business center. Cincinnati’s nightlife is full of lights – the cafes, bars and restaurants of the Mount Adams area attract the lovers of nightlife.

Those who want to buy a house in Ohio , will find in Cincinnatim a lot of offers, starting with quite budget apartments and ending with expensive elite-class housing. The most expensive real estate in the city falls on the Mount Adams area

This insurance is MANDATORY for all. When Americans rent a car, they always use their insurance, which perfectly covers them. Exactly about this, coming to the car rental desk at the airport, you have a chance to refuse to add.

Insurers and a clerk who gives you a car will put in a contract that you refused their insurance. But when you stop by the police or, God forbid, an accident, you will be asked to provide it. If you do not have it, then it immediately becomes a criminal offense.

When you book a car on all major sites, you see the price only for cars! CTP insurance is usually not automatically included. For large agencies, it is given for $ 14 per day. So consider this in advance.

This extra insurance covers the car you drive. In the event of an accident, regardless of the fault, all claims against you will be limited to the size of the franchise (from 0 to $ 1,000). All major sites sell this insurance for $ 10 per day and direct rental companies for the most cost ($ 15-25 per day). The difference is that if the car is damaged, you will have to deal with the insurance and rental company in the first case, or only with the rental company, if you purchased this insurance directly. In the latter case, you will be given a replacement immediately and you will continue your journey.Should I take full insurance – you decide. It must be borne in mind that in Florida, 24% of people drive a car without any insurance. Accordingly, the police check the availability of insurance more meticulously, and paying for CASCO insurance can be a good idea.

When buying a car, you will need insurance at the stage of registering it. This insurance with Russian rights will cost you from $ 180 to $ 250 per month, if you pay immediately for 6 months. And this is only CTP. There are only a few companies in this state that work with foreign drivers, so you will not notice much competition in pricing. Casco will be a little more expensive.

Even experienced drivers can get lost in a new unfamiliar environment. There are a lot of tourists in the southern part of Florida, and this is considered to be one of the most dangerous places in the USA. In any case, we wish you a trouble-free ride!

The law, signed by the authorities of the region, states that cryptocurrency can pay all types of taxes and fees – from excise taxes on cigarettes to insurance premiums on employees.

As the author of the initiative, the treasurer of the State of Ohio Josh Mandel, said, the adoption of Bitcoin as a legal means for paying taxes will consolidate the status of the region as one of the most advanced technologies in the United States.

“I really think Bitcoin is a full form of currency, ” said Mandel, adding that he hopes that other states will follow the example of Ohio.

To pay taxes using cryptocurrency, entrepreneurs need to register on the OhioCrypto.com portal.Payment processing will be carried out through the BitPay processing service, which will accept cryptocurrency and convert it to Fiat. It is not yet known how many companies will be interested in a new opportunity, however, as Mandel says, the corresponding requests have been received.

As noted by the WSJ, the decision of the Ohio authorities does not make Bitcoin a full currency, but provides cryptocurrency tacit support. Coin Center director Jerry Brito has already stated that this step “will serve as a signal that Bitcoin can be used by anyone – not just criminals, but also the authorities.”

Previously, the possibility of accepting Bitcoins in payment of taxes was considered by the states of Arizona, Georgia and Illinois, but the necessary bills have not yet been adopted. At the same time, Josh Mandel argues that he does not need the approval of legislators to translate ideas into reality.

In May of this year, the possibility of paying taxes in cryptocurrency was introduced by one of the counties in the state of Florida.